The loan house can only be renamed and sold after the remaining house payment is paid off. Then, according to the regulations of the bank, it generally takes 1 year to repay the loan in advance. Then your house will not be sold for at least 1 year.

Your analogy is inaccurate. It is a serious problem that you can't pay the mortgage. Even if it hasn't been a year or the property right certificate hasn't come down, then borrowing money to repay the mortgage will have to wait until the house is sold. Selling a house is profitable, but you can't afford the mortgage. In the end, you have to bear the consequences of bank prosecution. . . .